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Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Standard Chartered Bank (Pakistan)'s Intrinsic Value: Projected FCF or its related term are showing as below:
KAR:SCBPL'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.09 Med: 0.28 Max: 1.13
Current: 0.59
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Standard Chartered Bank (Pakistan) was 1.13. The lowest was 0.09. And the median was 0.28.
KAR:SCBPL's Price-to-Projected-FCF is ranked better than 50.58% of 1301
companies
in the Banks industry
Industry Median: 0.6
vs KAR:SCBPL: 0.59
Standard Chartered Bank (Pakistan) (KAR:SCBPL) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Standard Chartered Bank (Pakistan)'s Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
63.01
/
106.07326520852
=
0.59
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Standard Chartered Bank (Pakistan) Intrinsic Value: Projected FCF Related Terms
Standard Chartered Bank (Pakistan) Intrinsic Value: Projected FCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Standard Chartered Bank (Pakistan) Intrinsic Value: Projected FCF Chart
Standard Chartered Bank (Pakistan) Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Standard Chartered Bank (Pakistan)'s Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Standard Chartered Bank (Pakistan) Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Standard Chartered Bank (Pakistan)'s Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Standard Chartered Bank (Pakistan)'s Price-to-Projected-FCF falls into.
Standard Chartered Bank (Pakistan) Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Intrinsic Value: Projected FCF of ₨106.07 mean?
Standard Chartered Bank (Pakistan) (KAR:SCBPL) has a Intrinsic Value: Projected FCF of ₨106.07 as of Sep. 06, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Standard Chartered Bank (Pakistan) and its competitors. According to the industry distribution chart, Standard Chartered Bank (Pakistan) ranks #643 out of 1301 companies in the Banks industry, placing it in the top 49.4%.
Is Standard Chartered Bank (Pakistan)'s Intrinsic Value: Projected FCF too high?
Standard Chartered Bank (Pakistan)'s current Intrinsic Value: Projected FCF is ₨106.07. Based on the distribution chart, Standard Chartered Bank (Pakistan) ranks #643 out of 1301 companies in the Banks industry, which is above the industry midpoint. Overall, Standard Chartered Bank (Pakistan) has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank (Pakistan)'s Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Standard Chartered Bank (Pakistan) ranks #643 out of 1301 companies for Intrinsic Value: Projected FCF. This puts Standard Chartered Bank (Pakistan) in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,301 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Standard Chartered Bank (Pakistan) and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Chartered Bank (Pakistan)'s current Intrinsic Value: Projected FCF is ₨106.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank (Pakistan) stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) (KAR:SCBPL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨36.38, compared to a current price of ₨63.01 — trading 73.2% above its estimated fair value. The current Intrinsic Value: Projected FCF is ₨106.07. Standard Chartered Bank (Pakistan)'s overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Standard Chartered Bank (Pakistan) (KAR:SCBPL), the current Intrinsic Value: Projected FCF is ₨106.07 as of Sep. 06, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Standard Chartered Bank (Pakistan) (KAR:SCBPL) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Chartered Bank (Pakistan) stock appears to be overvalued.
The current stock price of ₨63.01 is trading 73.2% above its estimated GF Value™ of ₨36.38.
GuruFocus considers Standard Chartered Bank (Pakistan) to be Significantly Overvalued.
Key valuation signals for KAR:SCBPL:
Intrinsic Value: Projected FCF: ₨106.07
GF Value™: ₨36.38 vs. price of ₨63.01 (73.2% above fair value)
No single metric tells the full story. See the KAR:SCBPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Chartered Bank (Pakistan) Ltd is a banking corporation based in Pakistan. It provides retail and corporate banking services to customers. The products and services provided by the bank include credit cards, personal loans, mortgages, deposit taking and wealth management services to individuals and small to medium-sized enterprises as well as trade finance, cash management, lending, securities services, foreign exchange, debt capital markets and corporate finance. It also provides the complete suite of Islamic banking solutions under its Standard Chartered Saadiq brand. The company's revenue comprises of fees, commission and interest and dividend received from its products and services. The Bank operates only in Pakistan.
71GF Score
Get the complete analysis for KAR:SCBPL
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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